Financial Disclaimer & Limitation of Liability

Informational only — not advice

Northstar is an informational tool. Nothing it shows — including net-worth figures, projections, retirement or tax estimates, the Financials Chat, research memos, or any recommendation-like output — is financial, investment, tax, or legal advice, an offer, or a solicitation. Figures are estimates and may be delayed, incomplete, or wrong. Verify anything important with the source institution and a qualified professional before acting.

No warranty

The service is provided “AS IS” and “AS AVAILABLE”, without warranties of any kind, express or implied, including merchantability, fitness for a particular purpose, accuracy, or non-infringement. We do not warrant that the service will be uninterrupted, timely, secure, or error-free.

Limitation of liability

To the maximum extent permitted by law, Northstar and its owners will not be liable for any indirect, incidental, special, consequential, or punitive damages, or for any loss of profits, savings, data, or investment losses, arising from your use of (or inability to use) the service — even if advised of the possibility. Our total liability for any claim will not exceed the greater of the amount you paid us in the prior 12 months or US$50.

Your responsibility / release

You are solely responsible for your financial decisions. You agree to hold Northstar and its owners harmless from, and release them from any claims arising out of, your reliance on the service or your financial decisions.

Dispute resolution & governing law

[PLACEHOLDER pending counsel] Any dispute will be resolved under the governing law and dispute-resolution process (including any arbitration and class-action-waiver terms) specified in the final Agreement.